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RESTRICTED INDUSTRIES

Restricted industries (automatic decline) include:
  • Ammunition or Weapons Manufacturing; wholesale and retail
  • Bail Bonds
  • Check Cashing Agencies
  • Energy, oil trading, or petroleum extraction or production
  • Finance: (Federal Reserve Banks, foreign banks, banks, bank holding companies, loan brokers, commodity brokers, security brokers, mortgage brokers, mortgage bankers, mortgage companies, bail bond companies, or mutual fund managers)
  • Gaming or Gambling Activities
  • Loans for the speculative purchases of securities or goods
  • Pawn shops
  • Political campaigns, candidates, or committees
  • Public administration (e.g., city, county, state, and federal governmental agencies)
  • X-rated products or entertainment
High-Risk Industries (subject to stricter underwriting guidelines):
  • Agriculture or forest products
  • Auto, recreational vehicle or boat sales
  • Courier services
  • Computer and software related services
  • Dry cleaners
  • Entertainment (adult entertainment is to be considered restricted)
  • General contractors
  • Gasoline stations or convenience stores (also known as c-stores)
  • Healthcare; specifically nursing homes, assisted living facilities, and continuing care retirement centers
  • Special trade contractors
  • Hotels or motels
  • Jewelry, precious stones and metals; wholesale and retail
  • Limousine services
  • Long distance or “over-the-road” trucking
  • Mobile or manufactured home sales
  • Phone sales and direct selling establishments
  • Real estate agents/brokers
  • Real estate developers or land subdividers
  • Restaurants or drinking establishments
  • Software or programming companies
  • Taxi cabs (including the purchase of cab medallions)
  • Travel agencies